Flooding damages to a neighborhood

Getting Home Insurance in San Jose

Home insurance in San Jose protects homeowners from having to pay out of pocket for any repairs their homes may need due to damage accrued from disaster. Insurance commonly covers fire, theft, and severe weather. It also offers protection in the event that someone is injured on your property.

According to the Insurance Information Institute, the average premium in California costs $922, which is higher than the nation’s average of $880. This is likely due to the frequency of earthquakes and severe weather, both of which take place in the San Jose area and render insurance especially important. San Jose rests near fault lines, which are responsible for earthquakes. However, keep in mind that homeowners need to purchase earthquake insurance separately, as it is often not automatically covered.

Factors of Home Insurance Rates in San Jose, California

Insurance in San Jose is determined by a variety of factors. These include the age and condition of the home, the history of claims made on the home, the home’s proximity to fire protection, and the homeowner’s credit history. The exact location of the home plays a role in determining the premiums in San Jose as well. Homes located in high crime areas will cost more to insure than homes located in areas with lower crime. Below is a chart that examines the amount of crime that takes place in the San Jose Area:

  Robbery Burglary Larceny-theft
2010 976 3,940 12,730
2009 1,025 3,741 13,903
2008 1,124 3,457 13,612

San Jose is part of California’s Bay Area, a region that experiences a lot of damage from severe weather. In particular, California’s Natural Hazard Risk Assessment reports that flooding is more frequent than earthquakes in the Bay Area, and causes more damage. Though flood insurance is a separate policy that will cause home insurance premiums to increase in cost, purchasing it will prevent you from having to pay for any water damage your home may incur during San Jose’s bad weather.

California’s Department of Insurance provides a Homeowners Premium Survey to help you determine how much a policy may cost.

Home Insurance in California


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